Business Loans & Funding
MCAs, SBA loans, working capital, revolving lines of credit — we match you with the right funding product for your business stage and goals.
Funding Products
We work with a network of lenders and funding sources to match you with the right product — not just whatever's easiest to close.
Government-backed loans with competitive rates and long repayment terms. Ideal for established businesses looking for affordable long-term capital — up to $5M.
Fast funding based on your revenue, not just your credit score. MCAs are ideal for businesses with strong sales who need capital quickly — often funded in 24–72 hours.
Draw what you need, when you need it. A revolving credit line gives your business the flexibility to cover gaps, seize opportunities, and manage cash flow without reapplying.
Short-term financing to cover operating costs, payroll, inventory, and growth — without tying up long-term assets or equity.
Finance the equipment your business needs with the equipment itself as collateral — preserving your working capital for operations and growth.
Not quite ready yet? We prepare your business profile, credit, and financials to qualify for the best funding products at the best rates — then get you there.
Every Client Gets
We don't just connect you with lenders — we prepare your profile and advocate for you through the entire process.
Free funding assessment
Business credit profile review
Lender matching across product types
Application preparation support
Up to $5M in available funding
SBA, MCA, LOC & more
Rate & term comparison
Dedicated account support
The Process
From first call to funded — a straightforward path to the capital you need.
We review your business profile, revenue, credit, and goals to identify the best funding products available to you.
We match you with the right lenders and funding sources from our network — prioritizing the best rates and terms.
We prepare and submit your application with supporting documentation — maximizing your approval chances.
Capital arrives in your account. We stay available for any follow-up, restructuring, or additional funding needs.
"As a single mom I didn't think I could fix my credit AND get business funding. Clear Tides made both happen — and showed me every step along the way."
Lisa R. — Verified Client
Common Questions
The questions we hear most about business loans and funding.
What credit score do I need to get business funding?
It depends on the product. SBA loans typically require 650+. MCAs can work with scores as low as 550 if your revenue is strong. Revolving credit lines vary by lender. We assess your full profile and match you with products you can actually qualify for today.
How fast can I get funded?
MCAs can fund in as little as 24–72 hours. SBA loans take longer — typically 30–90 days due to government processing. Working capital loans typically fund in 3–10 business days. We tell you upfront what to expect for your specific product.
Can a new business qualify for funding?
Yes, though options are more limited for businesses under 1 year old. We work with startup-friendly lenders and also help new businesses build the credit profile needed to qualify for larger funding as they grow.
What's the difference between an MCA and a business loan?
A business loan has a fixed repayment schedule with interest. An MCA is an advance on future revenue — repaid as a percentage of daily or weekly sales. MCAs are faster and more flexible but typically more expensive. We help you understand which is right for your situation.
Do you charge fees for funding placement?
We are transparent about all fees from the start — no hidden charges, no surprises. We'll walk you through the full cost of any funding product before you commit to anything.
Book your free funding assessment and find out exactly what capital is available to your business right now.
Get My Free Funding Assessment